La Capitol Federal Credit Union


Overview / Commentary
225-342-5055
700 Main St
Baton Rouge, LA 70802-5501

La Capitol Federal Credit Union is headquartered in Baton Rouge and is the 6th largest credit union in the state of Louisiana. It is also the 555th largest credit union in the nation. It was established in 1961 and as of June of 2024, it had grown to 172 employees and 53,607 members at 15 locations. La Capitol Federal Credit Union's CD rates are 4X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in La Capitol Federal Credit Union is open to anyone through membership in the Louisiana Association for Personal Financial Achievement ($20 annual dues). Membership is open to the following: (1) those who live, work, worship, or attend school in the City of Baton Rouge or in the Louisiana parishes of Allen, Grant, Jefferson, Lincoln, Natchitoches, Orleans, Ouachita, Plaquemine, Rapides, St. Bernard, St. Charles, St. John, Terrebonne or Tangipahoa; (2) Students of University of Louisiana at Monroe, Louisiana Tech University, Northwestern State University, Southeastern Louisiana University, Delgado Community College, Nunez Community College, or Baton Rouge Community College; (3) Employed by an agency of the state of Louisiana not already covered by a credit union and to immediate family.
See current membership details

Reviews (2)

4.25% Only On First 3K Rewards Checking. 2% On Next 7K

Posted by: |

Read the fine print before joining. Too bad that the rate is not a true 4.25% for 10K

Best Tellers Worst Banking Experience

Posted by: |

Best tellers but worst banking experience ever. 1. Their 24 hour service is really not 24 hours. Just someone who picks up the phone, asks you all your financial information only to tell you you have to wait until the branch opens up and branch will be able to assist. 2. Even though I'm enrolled in the protection plan (where if a check goes through but the money is not in your account yet they charge the $30 NSF fee but pays the amount)... well I found out even though my money hit the next day, that's up to their discretion if they cover the cost. So I basically was charged a NSF Fee and not covered (FML). 3. After the 2016 flood, I really needed to borrow money for an emergency, of course my financial state (credit score) wasn't the best BUT IMO they could see my direct deposits, decades of banking to them and they would be the FIRST to get their money. I knew my taxes would hit in a couple weeks but this was a real emergency. Well basically got denied, luckily I was able to hold off until my taxes hit but they're not the place to go to when it comes to helping their loyal customers in hard times but have the nerve to ask me if I want to apply for a loan everytime I withdraw... um no, I already know how you all feel about less than perfect hardships why would I want to come to you when I'm doing great. 4. Imagine if they had a program that actually helped like Neighbors. Sad I went to another credit union that actually helped and not let you SINK like LaCap FCU. If you have excellent credit this is the bank for you but don't ever get a divorce and fall short they will let you DROWN. 5. Let me not forget to mention how hard it is to link my bank account to PayPal. I canceled my cards since they don't give AF and I can't even link my account to another source?! I'm so disgusted with this bank. To top all of this off, I just changed my password so I must have keyed it wrong only twice, well I'm locked out until Monday... and it's Friday, I just got paid and It's Christmas weekend. Yes FML and since I have nothing but time and no access to my cash, I'm taking the time to write this well over due review. 6. They turned off google reviews so that says more than enough for me. This is my experience.



Health
C+

Health Grade Components

Overall
NCUA #14568
Year Chartered1961
Employees172
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4%
Annual Interest Income$17.9MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$764.2MM$721.2MM
LoansQ2 2024vs Q2 2023$587.1MM$581.1MM
DepositsQ2 2024vs Q2 2023$642.2MM$638.2MM
Equity CapitalQ2 2024vs Q2 2023$83.3MM$77.9MM
Loan Loss AllowanceQ2 2024vs Q2 2023$4MM$3.2MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$19.1MM$5.7MM
Real Estate OwnedQ2 2024vs Q2 2023$0$185K
Rates
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Always verify rates and promotions with the bank or credit union. We are not La Capitol Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

La Capitol Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%$0-Bonus IRA
0.25%$0-IRA Floating Rate Account
0.25%$0-IRA Floating Rate Account with La Cap Checking
0.25%$0-Coverdell Education Savings
0.20%$5k-Elite Saver Savings
0.10%$100-Regular Savings
0.10%$100-Special Savings
0.10%$100-Christmas Club Savings
0.10%$100-Vacation Club Savings
0.10%$100-Youth Savings

La Capitol Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.25%*$0$10kChoice Checking
OTHER TIERS: 0.72% $10k+
0.10%$2.5k-Liquid Assets Checking

La Capitol Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$100k-1 Year Super Saver Share Certificate with La Cap Checking
4.30%$100k-1 Year Mega Saver One Time Bump Share Certificate with La Cap Checking
4.25%$1.5k-1 Year Thrifty Saver Share Certificate with La Cap Checking
4.15%$100k-2 Year Super Saver Share Certificate with La Cap Checking
4.10%$100k-3 Year Super Saver Share Certificate with La Cap Checking
4.10%$100k-4 Year Super Saver Share Certificate with La Cap Checking
4.10%$100k-5 Year Super Saver Share Certificate with La Cap Checking
4.10%$100k-2 Year Mega Saver One Time Bump Share Certificate with La Cap Checking
4.05%$1k-2 Year Thrifty Saver Share Certificate with La Cap Checking
4.05%$100k-3 Year Mega Saver One Time Bump Share Certificate with La Cap Checking
4.05%$100k-4 Year Mega Saver One Time Bump Share Certificate with La Cap Checking
4.05%$100k-5 Year Mega Saver One Time Bump Share Certificate with La Cap Checking
4.00%$500-3 Year Thrifty Saver Share Certificate with La Cap Checking
4.00%$500-4 Year Thrifty Saver Share Certificate with La Cap Checking
4.00%$500-5 Year Thrifty Saver Share Certificate with La Cap Checking
3.95%$100k-1 Year Super Saver Share Certificate
3.90%$100k-1 Year Mega Saver One Time Bump Share Certificate
3.85%$1.5k-1 Year Thrifty Saver Share Certificate
3.75%$100k-2 Year Super Saver Share Certificate
3.70%$100k-3 Year Super Saver Share Certificate
3.70%$100k-4 Year Super Saver Share Certificate
3.70%$100k-5 Year Super Saver Share Certificate
3.70%$100k-2 Year Mega Saver One Time Bump Share Certificate
3.65%$1k-2 Year Thrifty Saver Share Certificate
3.65%$100k-3 Year Mega Saver One Time Bump Share Certificate
3.65%$100k-4 Year Mega Saver One Time Bump Share Certificate
3.65%$100k-5 Year Mega Saver One Time Bump Share Certificate
3.60%$500-3 Year Thrifty Saver Share Certificate
3.60%$500-4 Year Thrifty Saver Share Certificate
3.60%$500-5 Year Thrifty Saver Share Certificate
3.50%$2.5k-6 Month Share Certificate
2.25%$5k-91 Day Share Certificate

La Capitol Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$20k*-2 Year IRA Certificate Account with La Cap Checking
OTHER TIERS: 4.15% $5k - $20k
3.85%*$20k*-2 Year IRA Certificate Account
OTHER TIERS: 3.75% $5k - $20k
Locations

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